Punjab & Sind Bank
Price
Daily candles · NSEWhat the numbers say
- Low return on equity: 3-year ROE 7.4%.
- Carries leverage: debt-to-equity of 1.25.
- Sales compounded at 14.4% over 3 years.
- Weak cash conversion (CFO/OP -0.61).
- Trades above its industry P/E (10.9 vs 6.8).
- Dividend yield of 1.92%.
Generated automatically from reported financials. These are observations, not a recommendation to buy or sell.
- Punjab & Sind Bank gets nod to raise foreign currency funds upto $1 billion
The Board of Directors of the Bank in its meeting held on September 29, 2026 has approved the same
- Punjab & Sind Bank reports 23% rise in Q1 net profit
Total income of the bank increased by 4.92% to Rs 3,545.72 crore in Q1FY27
- Punjab & Sind Bank gets IFSCA licence to setup IFSC Banking unit at GIFT IFSC
The Reserve Bank of India had permitted the Bank for setting up IFSC Banking Unit at GIFT City Gandhinagar
Company announcements as filed with the exchanges. Reproduced for information — not a view or a recommendation.
| Profit & Loss · ₹ crore | FY26 | FY25 | FY24 | FY23 | FY22 |
|---|---|---|---|---|---|
| Net Sales | 11,982 | 11,481 | 9,694 | 7,993 | 7,096 |
| Other income | 1,778 | 1,568 | 1,221 | 940 | 959 |
| Total Income | 13,759 | 13,049 | 10,915 | 8,933 | 8,055 |
| Expenditure | 12,007 | 11,711 | 9,978 | 7,313 | 6,869 |
| Operating Profit | 1,752 | 1,338 | 937 | 1,620 | 1,187 |
| Interest | 8,170 | 7,698 | 6,853 | 5,019 | 4,444 |
| Depreciation | 177 | 145 | 150 | 148 | 137 |
| Tax | 430 | 322 | 342 | 307 | 148 |
| Net Profit | 1,322 | 1,016 | 595 | 1,313 | 1,039 |
| EPS (₹) | 1.86 | 1.50 | 0.88 | 1.94 | 2.56 |
| Net margin % | 11.0 | 8.8 | 6.1 | 16.4 | 14.6 |
Standalone figures, as filed with the exchanges. Newest year first. Punjab & Sind Bank had roughly 5.3× as many shares from FY22 onwards, after a bonus issue or a share split. EPS is shown exactly as reported, so FY21 and earlier is struck on the smaller share count and is not comparable with the years after it. The totals above are unaffected.
| Balance Sheet · ₹ crore | FY26 | FY25 | FY24 | FY23 | FY22 |
|---|---|---|---|---|---|
| Equity capital | 7,096 | 7,096 | 6,778 | 6,778 | 6,778 |
| Reserves | 5,976 | 5,196 | 7,689 | 7,418 | 6,313 |
| Net worth | 13,072 | 12,291 | 14,467 | 14,196 | 13,091 |
| Borrowings | 16,352 | 14,230 | 9,771 | 9,018 | 2,444 |
| Total sources | 1,79,270 | 1,61,815 | 1,47,657 | 1,36,455 | 1,21,068 |
| Net block | 1,862 | 1,798 | 1,756 | 1,519 | 1,577 |
| Capital work in progress | — | — | — | — | 0 |
| Investments | 49,388 | 46,912 | 49,599 | 44,838 | 42,281 |
| Book value (₹) | 18.42 | 17.32 | 21.34 | 20.95 | 19.31 |
Standalone figures, as filed with the exchanges. Newest year first. Punjab & Sind Bank had roughly 1.67× as many shares from FY22 onwards, after a bonus issue or a share split. Book value per share is shown exactly as reported, so FY21 and earlier is struck on the smaller share count and is not comparable with the years after it. The totals above are unaffected.
| Cash Flow · ₹ crore | FY26 | FY25 | FY24 | FY23 | FY22 |
|---|---|---|---|---|---|
| From operations | -1,893 | -2,294 | 1,749 | 1,428 | -5,999 |
| From investing | -241 | -168 | -229 | -88 | -121 |
| From financing | -387 | 3,898 | -434 | -1,332 | 4,068 |
| Net change in cash | -2,521 | 1,437 | 1,086 | 9 | -2,051 |
| Free cash flow | -2,134 | -2,461 | 1,520 | 1,340 | -6,119 |
| Closing cash | 6,299 | 8,820 | 7,383 | 6,297 | 6,288 |
Standalone figures, as filed with the exchanges. Newest year first.
| Ratios | FY26 | FY25 | FY24 | FY23 | FY22 |
|---|---|---|---|---|---|
| ROCE % | 9.1 | 7.4 | 6.0 | 9.5 | 10.4 |
| ROE % | 10.4 | 7.6 | 4.2 | 9.6 | 10.1 |
| PAT margin % | 11.0 | 8.8 | 6.1 | 16.4 | 14.6 |
| EBIT margin % | 82.8 | 78.7 | 80.4 | 83.1 | 79.4 |
| Debt / equity | 1.25 | 1.16 | 0.68 | 0.64 | 0.19 |
| Sales growth % | 4.4 | 18.4 | 21.3 | 12.6 | 1.7 |
| Dividend per share (₹) | 0.39 | 0.07 | 0.20 | 0.48 | 0.31 |
| Payout % | 20.9 | 4.9 | 22.8 | 24.8 | 20.2 |
Standalone figures, as filed with the exchanges. Newest year first.
Frequently asked
Punjab & Sind Bank (PSB) last traded at ₹20.35 on the NSE, down +2.30% on the session. Prices on this page are indicative and for information only.
Punjab & Sind Bank has traded between ₹20.31 and ₹32.46 over the last 52 weeks on the NSE.
Punjab & Sind Bank has a market capitalisation of about ₹14,440 crore.
Punjab & Sind Bank trades at a P/E of 10.9, against an industry P/E of 6.8.
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Who is actually trading it
Delivery against churn, the deals big enough to be reported, what the insiders did, and the benchmarks that hold Punjab & Sind Bank.
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Exchange filings and end-of-day data, not a live feed. Bulk, block and insider records are published by the exchanges when a threshold is crossed, so they show reportable activity only. For information, not a recommendation to deal, and not a view on any person named above.
Disclosures. Investment in securities market are subject to market risks. Read all the related documents carefully before investing.
Registration granted by SEBI, membership of BASL (in case of IAs) and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.
Prices and data on this page are indicative and for information only. Nothing here is investment advice or a recommendation to buy or sell any security. Investors should consider their own objectives, financial situation and risk profile, and may wish to seek independent advice, before investing.
Figures are as reported by the company; consolidated where available. Errors and omissions excepted.
L. F. C. Securities Pvt. Ltd. · Member BSE, NSE, MCX · SEBI Stock Broker INZ000170736 · CDSL IN-DP-281-2016 · AMFI ARN-78991 · Investment Adviser (Non-Individual) INA000011617 · Compliance Officer: Mr. Santosh Patil · santoshp@labdhi.in · 022-35006933 · Investor Grievances: investorgreve@labdhi.in